Don't check. It is a personal behavior for an individual to apply for a credit loan. The bank will only check the lender's own credit report, not the spouse's credit. Only when applying for family-oriented loans, such as car loans and mortgages, will banks or financial institutions inquire about the credit information of both husband and wife. As long as either party has bad credit information, it may affect the audit results.

In addition, it should be noted that personal loans also need to be repaid on time, otherwise there will be overdue records on credit and subsequent credit applications will be affected.

Can I take the initiative to repay the credit loan after automatic repayment fails?

Of course. If the user's loan does not have a grace period for repayment, then the user must take the initiative to repay it on the repayment date, and after repayment, ensure that the repayment funds arrive on the repayment date, so that there will be no overdue.

If the user's loan has a repayment grace period, the system will start automatic deduction again within the grace period after the deduction fails on the repayment date. At this point, users can choose to take the initiative to repay or wait for automatic deduction.